Scotiabank Mexico Business Overview

Canadian Residential Mortgages High quality stable portfolio. Credit trends performing strongly Canadian Mortgage Portfolio: $301Bn (Spot balances as at Q3/22, $Bn) 165.2 22.2 Freehold $254Bn - (85%) Condos $47Bn (15%) - 15% Condos 59.7 143.0 Total Portfolio 12: $301Bn 33.0 16.6 20.4 3.8 11.7 10.5 43.1 2.9 0.3 0.7 29.2 Ontario BC & Territories Alberta 17.5 Quebec 11.4 9.8 Atlantic Provinces Manitoba & Saskatchewan 85% % of portfolio Freehold 55.0% 19.8% 11.0% 6.8% 3.9% 3.5% Canadian Mortgage Originations ($Bn) New GTA/GVA Mortgage Originations Q3/21 Q2/22 Q3/22 26.6 21.5 19.9 20.2 17.5 Greater Toronto Area Total Originations ($Bn) Uninsured LTV3 Greater Vancouver Area Total Originations ($Bn) Uninsured LTV3 7.8 5.3 5.8 64% 62% 63% 3.3 2.3 2.3 64% 62% 62% Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Average Uninsured 65% 65% 64% 63% 63% LTV at Origination 1 Includes Wealth Management 2 Spot Balances at Q3/22 3 Average LTV ratios for our uninsured residential mortgages originated during the quarter 25 25

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